Self-pay here. I have BC PPO-Alabama (each state and policy is different). The insurance companies make it so hard...however i've read so many post where insurance companies have came through. With that said there seems to be just as many self-pays. I'd like to know the ratio between the two.
I think the insurance companies realize that when they turn down...thats not the end for many. A lot of people will get it done somehow, if they really want it bad enough. So they're, the insurance company, is in a win-win situation.
They don't have to pay but they get a healthier client whom uses their insurance much less. It really stinks.
sincerely,
the insurance agent
